feat(desktop-client): queue account probes and report health to server

Replace serial probe-on-lock with a bounded probe queue (concurrency 3) that
adds a "queued" probe state, manual cooldown, and retry backoff. After each
probe the runtime debounces a batched POST to the new
/desktop/accounts/health-reports endpoint so the server learns about live,
expired, and risk transitions without waiting for a re-bind. Adds an
account-scoped IPC (probeRuntimeAccount + runtimeAccountSnapshot) so the
renderer can refresh a single row instead of replaying the full snapshot,
and exposes the resulting "重新校验" action in AccountsView/AiPlatformsView.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

apps/desktop-client/src/main/bootstrap.ts

@@ -24,12 +24,13 @@ import { registerRendererDevtoolsProxyTarget } from "./renderer-devtools-proxy";
 import { onRuntimeInvalidated } from "./runtime-events";
 import {
   noteRuntimeAccountBound,
+  requestRuntimeAccountProbe,
   refreshRuntimeAccounts,
   releaseRuntimeSession,
   syncRuntimeSession,
   unbindRuntimeAccount,
 } from "./runtime-controller";
-import { createRuntimeSnapshot } from "./runtime-snapshot";
+import { createRuntimeAccountSnapshot, createRuntimeSnapshot } from "./runtime-snapshot";
 import { resolveDesktopClientID, resolveDesktopDeviceInfo } from "./device-id";
 import { initScheduler } from "./scheduler";
 import { initSessionRegistry } from "./session-registry";
@@ -154,6 +155,10 @@ function captureRuntimeSnapshot() {
   return snapshot;
 }
 
+function captureRuntimeAccountSnapshot(accountId: string) {
+  return createRuntimeAccountSnapshot(accountId);
+}
+
 async function ensureMainWindow(): Promise<ElectronBrowserWindow> {
   const existing = currentMainWindow();
   if (existing) {
@@ -314,6 +319,9 @@ function registerBridgeHandlers(): void {
       }),
   );
   ipcMain.handle("desktop:runtime-snapshot", () => captureRuntimeSnapshot());
+  ipcMain.handle("desktop:runtime-account-snapshot", (_event, accountId: string) =>
+    captureRuntimeAccountSnapshot(accountId),
+  );
   safeHandle("desktop:bind-publish-account", async (_event, platformId: string) => {
     const account = (await bindPublishAccount(platformId)) as DesktopAccountInfo;
     noteRuntimeAccountBound(account);
@@ -328,6 +336,10 @@ function registerBridgeHandlers(): void {
     await refreshRuntimeAccounts();
     return null;
   });
+  safeHandle("desktop:probe-runtime-account", async (_event, accountId: string) => {
+    requestRuntimeAccountProbe(accountId);
+    return captureRuntimeAccountSnapshot(accountId);
+  });
   safeHandle(
     "desktop:open-publish-account-console",
     async (